We are the voice of the disenfranchised planholders of the Yuchengco owned Pacific Plans. The small voices of thousands of parents and grandparents who saved and dreamt. We were careful and we trusted.
We seek what is right and what is just. Our dreams have been unilaterally crushed and taken away by a huge corporate giant apparently more concerned about legal technicalities and profits.

Monday, May 16, 2005

Exhibited below is the 12 July 2005 letter from Pacific Plans indicating a fundamental change in intention in the proposed reorganization of Pacific Plans.

This memorandum generates several interesting insights:

a) The marginal notes of former SEC Chmn Bautista are already noteworthy. There is a note to Commissioner (Fe) Gloria to check on the qualified financial statements (i.e. Punongbayan's qualified statement that was already discuss elsewhere in this weblog).

Revision of Rehab Plans - PPI Letter to SEC

Revision of Rehab Plans - PPI Letter to SEC p.2

b) The memorandum is now signed by a mere employee of Pacific Plans rather than by the owner (who initiated the original request for reorganization);

c) The trust fund for the fixed value and traditional plans was consolidated as a single trust account. Note that PPI is asking the SEC to confirm its mode of consolidation. In the marginal note, however, SEC Chmn Bautista correctly asks why the SEC should be asked to confirm said mode.

As subsequent events have shown, it is this MODE OF SEGREGATION that has created the firestorm of controversy. Obviously, there is no discussion at this point of the tortured twists and turns that would befall PPI, such as the management buyout nor the future role of GPL Holdings and Exemplar in the sordid affair.

In Literature, we believe that we can look at this memorandum as a FORESHADOWING of events yet to come.

54 Comments:

By what you posted, it seems you are playing mindgames with the planholders. You shouted fraud because PPI's original letters to SEC had a different intention to what has happened. And this succeding letter to the SEC, which you have but didn't release at the same time as the original letter, shows that PPI followed exactly what they had SEC approve.

"By what you posted, it seems you are playing ...manipulate the planholders."

- should take a course in logic 101. The division of PPI into two companies and the separation of the all earning assets, i.e., fixed plans, away from the traditional plans is what PPI asked approval for from SEC. Correct. And they did that. Correct. But it was not because they told the SEC, and in fact, more importantly the planholders, that they were going to then "cut-off" and alter the relationship between PPI and Lifetime and then apply for a rehab. It is really irritating that persons such as that poster flaunt their ignorance and poor understanding. Tsaka, kung manloloko rin lang, just go straight to the planholders instead of posting here and trying to show "faux" concern.

This site is actually for planholders who are working towards the goal of fighting the rehab plan, showing how the fraud was committed and what should be done to prevent such big business abuse from ever happening again.

I don't know why anyone who is not fighting for the above cause would even post here, except to try and cause disunity and failure of the coalition, di ba? Even if one was a genuine planholder against the goals of the coalition, why would such a person even visit this site and post, right? Siempre, kung wala kang bilib sa ginagawa sa coalition na ito, eh bakit ka pa pupunta dito at makikisali sa usapan? It really doesn't make sense to argue/post, unless your post is also to help form a better analysis or strategy BUT towards the same goals as this site/coalition.

I hope medyo mag-improve naman yung intelligence nung mga manloloko na posters. So far kasi, no one has been able to stand up to the logic presented in this blog.

If i remember correctly, it was this aloysius who said that they don't do analysis in their blog, yes, i am sure it was the same guy. They just regurgitate everything their masters say. Don't mind him, he just barks and barks. shoo.. go away..roll over..play dead..shoo.

For those who get the Asian Wall St Journal, an interesting ad was placed today on page M4 by Malayan Insurance. It's good for laughs.

MALAYAN IS A COMPANY BUILT ON WORD OF HONOR.

It started with a humble vision in an accesoria on Gandara St in 1930.

Enrique T Yuchengco built an HONEST AND TRUSTWORTHY non-life insurance company in the service of his young country.

A defining moment was in Post War Manila where Malayan promptly settled claims of countrymen after the ravages of the world war.

Through the years, Malayan carried on with genuine optimism, EVEN IN THE FACE OF NATIONAL CRISES AND TRIALS. Steadily, Malayan extended not only in key cities of the country, but also in the capitals of the world.

Malayan is now listed as one of the top 200 global non-life insurers and counts on the support of the world's largest reinsurance companies for the needs of the Philippine insuring public.

And though it has led the non-life insurance industry for the last 35 years, Malayan is more pleased with the fact that it is also known as the leader in UNCOMPROMISING INTEGRITY.

Today, as we celebrate our 75th Year, we go back to our simple Binondo virtue. After all, WORD OF HONOR IS HOW IT ALL BEGAN.

We are inviting you to join our Prayer Rally on May 25, Wednesday starting with an 8:30am mass at St. Andrew Parish Church, Nicanor Garcia St., Bel Air Village, Makati City to be officiated by Fr. Robert Reyes, the running priest. After the mass we will then proceed to the vicinity of the Makati Regional Trial Court for a short program.

Though this is not related to the article, I just want to post a message from the no2pep2010 egroup in relation to what transpired at Cito Beltran's STRAIGHT TALK. I was a witness to this very moving scene....

"If only people realized what happened behind the scenes... it was a studio filled with emotions pouring with sympathy to our cause.

Even the toughest of us just melted down as words from both children and parents tried to express the predicament we are faced in. What words could not express were just passed through by the tears which fell down from the cheeks of almost everyone.

At the end of the show, Cito gathered everyone in prayer, uttering words which could keep the flame alive by trusting in the Lord... his lips trembling as he tried to hold his tears...

Before the show and over at the dressing room, we overheard him saying that he invited the Ambassador and Helen Y. Dee to appear in his show... they declined and asked that their lawyers represent them instead."

SEVERAL prominent personalities in the business and public service sectors have expressed confidence that Pacific Plans Inc. (PPI), under the leadership of former Ambassador Alfonso Yuchengco, would be able to overcome the financial crisis that the pre-need firm is experiencing.

Former Senate President Jovito Salonga said Yuchengco had demonstrated the values of honesty, integrity and patriotism, which he is known for, by forking over P250 million from his own pocket to help resolve the PPI financial problem.

"I have known Ambassador Yuchengco for many years, particularly of his unselfish service to the nation in various capacities, and his patriotism during the crucial years of martial rule," Salonga said in a statement.

Meneleo Carlos, chair of the Federation of Philippine Industries (FPI), described Yuchengco as "a living testament to the ideals of FPI."

Carlos said Yuchengco had long pursued with FPI members his dream of promoting competitive and socially concerned Philippine business enterprises.

"We commend Ambassador Yuchengco for directing his personal business interests in line with what is good for the nation in the long term," he said.

Ambassador Jose Macario Laurel IV, whose family owns Lyceum of the Philippines, believed that Yuchengco was being true to himself when he raised P250 million from his own resources in support of PPI.

"The soft spot behind a decade of firm leadership has earned him (Yuchengco) the respect of his colleagues in the diplomatic world. He is known to be a fair and just man. I admire him also for his high regard for education and for instilling good values among the youth," Laurel said.

Former Education Secretary Andrew Gonzalez said that "in raising P250 million from his personal resources to alleviate the plight of PPI parents with tuition problems, Ambassador Yuchengco certainly proved his commitment to serve the public unselfishly."

Moreover, Gonzalez said that "while it is a corporate matter that PPI should resolve, he (Yuchengco) went beyond the call of obligation to help plan holders cope with their children's school requirements."

"We both share the same high regard for education and I believe this is his way of showing it," he said.

Manila Jaycees president Pablo Carlos III praised Yuchengco for his unselfish contributions as a major donor to the Blessed Teresa of Calcutta Humanitarian Awards Search since 1983.

In Margaret Jao-grey's column in the Inquirer today, she said the P250M from Yuchengco is not a donation, it's a loan. So far, all the press releases of YGC including the pandering of prominent personalities, give the impression it's a gift from the "very generous" old man. Can someone confirm? I haven't seen anything about it being a loan. Did we miss the fine print?

ch 7 news last night said that SEC released a document negating ppi's grounds for rehab. how come all news media are now silent about this? can we get a copy of this document? we should endeavor to publicize it as much as possible.

For technical purposes, the 250M is a loan. But for all practicality, the Yuchengcos are prepared to write it off.

Oh, and they really made the rounds in business, social and education circles, soliciting favorable write-ups on that 250M and giving the write-ups to media as a press release. Well, we're not impressed.

At Large : A name and an obligation , May 16, 2005 Updated 10:36pmam (Mla time) Rina Jimenez-David Inquirer News Service

HOW much is one's name worth? For Alfonso Yuchengco, former ambassador and tycoon, the measure has just been set at P250 million. This is the amount taken from what he says are his "personal" funds that he turned over Friday to Pacific Plans Inc., the troubled subsidiary that has been relegated to the fringes of the vast empire that is the Yuchengco Group of Companies.

"That's not a small amount," Yuchengco needlessly points out. As he remarked during the turnover, he had "cried for three nights" before the day he was to hand over the check to Ernesto Garcia, president of Pacific Plans. "And when I come home tonight, I will cry some more," he added.

A personal fortune that can withstand leakage of P250 million without too much shrinkage takes a lot of work to build, and as Yuchengco tells it, he had indeed worked very hard for his millions. "You can ask my employees, I work very hard. I work even on Saturdays, and when I was younger, you could find me in the office even on Sundays."

But, he emphasizes, much as he would miss the P250 million, and even if he claims not to have "any legal obligation" to infuse Pacific Plan's working capital with his own money, Yuchengco says protecting his and his family's reputation is even more important. Though he made the decision on his own, the former ambassador says all his children "agreed with it and support me on this."

Perhaps a brush with mortality has something to do with Yuchengco's sanguine attitude. Still recovering from a quintuple heart bypass last March, Yuchengco jokes that "in the last 20 years, I've been negotiating with St. Peter. I asked if I could bring my money with me, and so far, I have received no answer."

* * *

BUT if you ask the education-plan holders of Pacific Plans, especially the more agitated clients who have banded themselves into the Parents Enabling Parents (a play on the initials on of Pacific Education Plans) Coalition, they know exactly where (or to whom) Yuchengco can leave his wealth. In their view, even if the Yuchengcos stand to lose their entire fortune, it is still the family's responsibility to meet their obligations to the plan-holders, to whom Pacific Plans had promised that it would pay for the education of their children when their plans matured.

Last Friday, the PEP Coalition formally filed their opposition in the Makati Regional Trial Court to Pacific Plans' petition for rehabilitation, which would allow it to hold off from paying maturing "open-ended" educational plans while it figures out an acceptable compromise with the plan holders. In a letter last April, the company proposed to replace all open-ended plans with fixed-value plans that would carry "roughly" 7 percent annual return up to 2010. On that year, when the government (National Power Corp.) bonds to which the plans are tied mature, payments will be made on the plans. "No funds would be released until then," said Garcia.

* * *

"THIS is a bad precedent for other companies," remarks Philip Piccio, president of the PEP Coalition. "We want the corporation to stand up to its obligations. We appeal to the regulating body, the Securities and Exchange Commission, to exercise its duty to penalize erring corporations and protect the public. We want the secretary of finance to realize the public sector impact of this problem and address it. We also ask the entire pre-need industry to step in and do something about this problem in their 'family.'"

Piccio says one of the sources of trouble for the pre-need industry are the many "legal gray areas" around their products. "What is a pre-need education plan? Is it insurance? Is it securities?" To finally nail down the legal vagaries, Piccio said they have been talking to legislators on the crafting of a bill that would finally define pre-need products and establish more stringent regulations.

As for Yuchengco's "personal donation" of P250 million to Pacific Plans, Piccio bristles that "they even want us to be grateful!" when it has been Yuchengco's or his company's obligation all the while to infuse Pacific Plans with enough cash to meet its obligations.

Other members of the coalition relate that soon after they received the letters informing them of Pacific Plans' petition for rehabilitation, they made an appointment with Yuchengco so they could hand him a letter asking him to intercede in their behalf. "But when we got to his office, no one came out to meet us. Not even a secretary. Instead, we were met by a security guard who simply received the letter. We never heard from him again."

* * *

THE WAY Yuchengco sums up the problem with Pacific Plans, the viability of the business was doomed in 1990 when the Education Act was amended, lifting the "cap" on tuition rates and allowing schools to raise tuition indiscriminately. The monetary crisis of 1997 didn't help, either.

But it seems puzzling why it has taken Pacific Plans and its corporate parent some 15 years to address this crisis, when the business of insurance, it seems to me, is precisely to assess risk and reduce liabilities, including that of their customers.

In the meantime, according to the grapevine, not even the P250 million from Yuchengco, which would boost Pacific Plans' assets to more than P600 million, would be enough to meet its obligations, namely, the tuition of some 16,000 scholars for the first semester of school year 2005-2006. When I asked what would happen to Pacific Plans scholars currently in, say, third-year college, Yuchengco remained noncommittal.

To Pacific Plans' credit, it has at least accessed the legal system before taking unilateral action to address its capital hemorrhage. It has therefore placed its financial records as part of public record. "They can look through all our books and papers. I have nothing to apologize for our investment performance and our track record," declares Yuchengco.

This 250M is really a loan to PPI which is convertible to 40% equity in a company he left for dead and is trying to show the public his attempt at responsibility

At Large : A name and an obligation , May 16, 2005 Updated 10:36pmam (Mla time) Rina Jimenez-David Inquirer News Service HOW much is one's name worth? For Alfonso Yuchengco, former ambassador and tycoon, the measure has just been set at P250 million. This is the amount taken from what he says are his "personal" funds that he turned over Friday to Pacific Plans Inc., the troubled subsidiary that has been relegated to the fringes of the vast empire that is the Yuchengco Group of Companies."That's not a small amount," Yuchengco needlessly points out. As he remarked during the turnover, he had "cried for three nights" before the day he was to hand over the check to Ernesto Garcia, president of Pacific Plans. "And when I come home tonight, I will cry some more," he added.A personal fortune that can withstand leakage of P250 million without too much shrinkage takes a lot of work to build, and as Yuchengco tells it, he had indeed worked very hard for his millions. "You can ask my employees, I work very hard. I work even on Saturdays, and when I was younger, you could find me in the office even on Sundays."But, he emphasizes, much as he would miss the P250 million, and even if he claims not to have "any legal obligation" to infuse Pacific Plan's working capital with his own money, Yuchengco says protecting his and his family's reputation is even more important. Though he made the decision on his own, the former ambassador says all his children "agreed with it and support me on this."Perhaps a brush with mortality has something to do with Yuchengco's sanguine attitude. Still recovering from a quintuple heart bypass last March, Yuchengco jokes that "in the last 20 years, I've been negotiating with St. Peter. I asked if I could bring my money with me, and so far, I have received no answer."* * *BUT if you ask the education-plan holders of Pacific Plans, especially the more agitated clients who have banded themselves into the Parents Enabling Parents (a play on the initials on of Pacific Education Plans) Coalition, they know exactly where (or to whom) Yuchengco can leave his wealth. In their view, even if the Yuchengcos stand to lose their entire fortune, it is still the family's responsibility to meet their obligations to the plan-holders, to whom Pacific Plans had promised that it would pay for the education of their children when their plans matured.Last Friday, the PEP Coalition formally filed their opposition in the Makati Regional Trial Court to Pacific Plans' petition for rehabilitation, which would allow it to hold off from paying maturing "open-ended" educational plans while it figures out an acceptable compromise with the plan holders. In a letter last April, the company proposed to replace all open-ended plans with fixed-value plans that would carry "roughly" 7 percent annual return up to 2010. On that year, when the government (National Power Corp.) bonds to which the plans are tied mature, payments will be made on the plans. "No funds would be released until then," said Garcia.* * *"THIS is a bad precedent for other companies," remarks Philip Piccio, president of the PEP Coalition. "We want the corporation to stand up to its obligations. We appeal to the regulating body, the Securities and Exchange Commission, to exercise its duty to penalize erring corporations and protect the public. We want the secretary of finance to realize the public sector impact of this problem and address it. We also ask the entire pre-need industry to step in and do something about this problem in their 'family.'"Piccio says one of the sources of trouble for the pre-need industry are the many "legal gray areas" around their products. "What is a pre-need education plan? Is it insurance? Is it securities?" To finally nail down the legal vagaries, Piccio said they have been talking to legislators on the crafting of a bill that would finally define pre-need products and establish more stringent regulations.As for Yuchengco's "personal donation" of P250 million to Pacific Plans, Piccio bristles that "they even want us to be grateful!" when it has been Yuchengco's or his company's obligation all the while to infuse Pacific Plans with enough cash to meet its obligations.Other members of the coalition relate that soon after they received the letters informing them of Pacific Plans' petition for rehabilitation, they made an appointment with Yuchengco so they could hand him a letter asking him to intercede in their behalf. "But when we got to his office, no one came out to meet us. Not even a secretary. Instead, we were met by a security guard who simply received the letter. We never heard from him again."* * *THE WAY Yuchengco sums up the problem with Pacific Plans, the viability of the business was doomed in 1990 when the Education Act was amended, lifting the "cap" on tuition rates and allowing schools to raise tuition indiscriminately. The monetary crisis of 1997 didn't help, either.But it seems puzzling why it has taken Pacific Plans and its corporate parent some 15 years to address this crisis, when the business of insurance, it seems to me, is precisely to assess risk and reduce liabilities, including that of their customers.In the meantime, according to the grapevine, not even the P250 million from Yuchengco, which would boost Pacific Plans' assets to more than P600 million, would be enough to meet its obligations, namely, the tuition of some 16,000 scholars for the first semester of school year 2005-2006. When I asked what would happen to Pacific Plans scholars currently in, say, third-year college, Yuchengco remained noncommittal.To Pacific Plans' credit, it has at least accessed the legal system before taking unilateral action to address its capital hemorrhage. It has therefore placed its financial records as part of public record. "They can look through all our books and papers. I have nothing to apologize for our investment performance and our track record," declares Yuchengco.

HA!!!!! Mr. "Integrity" is once again diserviced by his very intelligent spin doctors and PR managers. Imagine, practically begging people of his "stature" for a word or two about him!!!??!? Spin doctors and court jesters do mix, afterall. And as if we didn't know that they practically had to twist the arms of some columnists just to write their propanganda about him. Go ahead take it all with you in your grave. That should spare your squabbling children of further infighting within the family.

"By what you posted, it seems you are playing mindgames with the planholders. You shouted fraud because PPI's original letters to SEC had a different intention to what has happened. And this succeding letter to the SEC, which you have but didn't release at the same time as the original letter, shows that PPI followed exactly what they had SEC approve.

Please don't manipulate the planholders."

In a debate, it is a MUST that you back up your comment that the planholders are indeed being manipulated.

So far, the PEP Coalition has shown documentary PROOF that the SEC has indeed been misled by the YGC! In fact, the SEC Chairperson herself was questioning why PPI was seeking regulatory approval and why there were qualifications in their FS.

The critical point that the PEP Coalition makes is that the sender is no longer Ms. Helen Y. Dee is important becasue if you will recall, she was the one who inititated the conversation. Is it because this SVP will eventually be the fall guy in the event that things go wrong?

Well, then we all have to thank him for making noise kc if not YOU will not even be in PICC claiming the additional tuition support. If not for the noise he is making, Right? So please stop criticizing others and look inside you on how you can help. Puro kasi kayo pintas! E kayo ano na ba ang nagawa nyo? Maghihintay lang naman kayo ng balita kung kelan makukuha ang cheke nyo!!

I can reading about the other site but don't know what the site is. Can someone post it? Since they're trying so hard to sway us, why don't we do the same and post in their site and enlighten the pro-rehab group about what they will really get in 2010? Maybe some of them are really innocently unaware of YGC's tactics and think a bird in hand is better than 2 in a bush, not knowing that the bird in their hand is dead.

Don’t bother to ask their site since they have no members at all. Those posting in our site are only PR people hired by Pacific to create division and create a sense that there are pro-rehab plan-holders. If there are really pro-rehab members as they claim they have why then will Pacific secretly stage a meeting with only employees of YGC invited (because they cant speak out otherwise they get fired) while the posters outside says WELCOME PACIFIC PLAN-HOLDERS. Look what happened to their media stage propaganda it blew in their own faces. BISTADO KAYO WALANG PRO-REHAB SA MGA TRAD PLAN-HOLDERS what do you think of us MORONS

"BISTADO KAYO WALANG PRO-REHAB SA MGA TRAD PLAN-HOLDERS what do you think of us MORONS"

WELL, YOU ARE REALLY ARE MORONS! IF YOU THINK NA HINDI KAMI PLANHOLDERS, KABOBOHAN NA YAN! DONT CALL US NAMES! WE ARE NOT LIKE YOU, BRAGGARDS AND FULL OF HOT AIR. WE TOO ARE PLANHOLDERS BUT WE SUPPORT REHABILITATION BECAUSE WE DON'T HAVE THE MONEY TO LAST THE LONG LEGAL PROCESS. WE BELIEVE THAT ALTHOUGH THE PROPOSED ROI + 7% INTEREST SEEM SMALL FOR YOU, THIS IS A PLAN UNLIKE YOUR COALITION WHICH HAS NO CONCRETE PLANS FOR NOW. UNLKE YOU RICH AND SPOILED BRATS, WE DONT HAVE THE TIME AND THE RESOURCES TO TIDE US UP WHILE YOU ARE FIGHTING YOUR CAUSE.

Ahhh, there you go! If people with money wanna screw up people without money, the latter should just give in because it's expensive to fight? That's your logic? For that matter, try to force other people who are willing to fight even if it entails sacrifice on their part because you don't want to fight?

Therefore, when we are being raped, we should really recline and enjoy it, right? In fact, we should chide those other people who are being raped to stop resisting, right?

i don't mind if you want to wait for 2010 but the thing that i can't take is how can you teach your children the value of fighting for your rights. oh boy! that is your right and it was taken away from you and you will just keep quiet and will do nothing. if this is the attitude of all pilipinos then ... talagang maiiwan tayo sa kang-kungan!

“WELL, YOU ARE REALLY ARE MORONS! IF YOU THINK NA HINDI KAMI PLANHOLDERS, KABOBOHAN NA YAN! DONT CALL US NAMES! WE ARE NOT LIKE YOU, BRAGGARDS AND FULL OF HOT AIR. WE TOO ARE PLANHOLDERS BUT WE SUPPORT REHABILITATION BECAUSE WE DON'T HAVE THE MONEY TO LAST THE LONG LEGAL PROCESS. WE BELIEVE THAT ALTHOUGH THE PROPOSED ROI + 7% INTEREST SEEM SMALL FOR YOU, THIS IS A PLAN UNLIKE YOUR COALITION WHICH HAS NO CONCRETE PLANS FOR NOW. UNLKE YOU RICH AND SPOILED BRATS, WE DONT HAVE THE TIME AND THE RESOURCES TO TIDE US UP WHILE YOU ARE FIGHTING YOUR CAUSE. “

"WE DON'T HAVE THE MONEY TO LAST THE LONG LEGAL PROCESS"

But you have the money to pay for your child’s tuition. Kami wala kami pang bayad kaya were insisting Pacific to keep its commitment. Ano ba talaga ikaw yata ang may pera?

Can you pro-rehab show your faces in TV. Since Pacific officials suddenly became a no show in all stations why don’t you guys show yourself to prove that truly you are planholders. Are you afraid your co-employees in your PR firm might squeal on you. Please call a general meeting for your group to show that you are the majority. Please no more mock meeting like the debacle that happened 2 Saturdays ago. Your meeting certainly made news the next day “Walkout plugs Pacific meeting” PALPAK TALAGA PR NYO!!!!!!!!!!!!!!!!!!!!!!

To the pro-rehabs, for delicadeza, you should refuse any money being released for this coming school year. After all, aren't you waiting for your money to mature in 2010? E bakit pa kayo nakikiambos? Para naman kayong mga fence sitters, tapos garapal pa sa vultures, pag may kokolektahin. Iba ang kinakanta niyo sa sinasayaw niyo!!!I DARE YOU TO COME UP WITH A MANIFESTO NOT TO ACCEPT ANY MONEY IN CONNECTION TO THE EDUCATIONAL PLAN.

You YGC paid hacks, now that the SEC has given its thumbs down to the rehab, what say you? So in a few days, you'll find yourelf jobless again until somebody pays you a few pesos to sit and roll over again...You guys are the scum of the earth.

common sense? eh pag di pa kayo due this 2005 till 2010 to receive your benefits, then don't receive it too. receive it on the year you're supposed to receive if that's want the pro-rehab to do. LOGICAL?

mabayaran ng buo o crumbs, pareho rin yun. you are still receiving. common sense is really not common amongst you!

common sense? eh pag di pa kayo due this 2005 till 2010 to receive your benefits, then don't receive it too. receive it on the year you're supposed to receive if that's what you want the pro-rehab to do. LOGICAL?

mabayaran ng buo o crumbs, pareho rin yun. you are still receiving. common sense is really not common amongst you!

Yup. Better not argue nalang with the pro rehabs. I do not think they know what we are fighting for, based on their statement above. Ang buong akala pala nila ay hinihingi natin ngayon ang lahat ng tuition due for SY 2005 to 2010. Ipagdasal nalang natin sila.

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